Does Uninsured Motorist Cover Hit and Run?

Motorcycle accidents can be devastating, and when the at-fault driver flees the scene, the situation becomes even more stressful. Many riders wonder, Does uninsured motorists cover hit-and-run accidents? In many cases, uninsured motorist (UM) coverage may protect you if a negligent driver leaves the scene without taking responsibility. 

Understanding how this coverage works is essential for protecting yourself on the road. Additionally, many riders are unaware that some policies may impose restrictions on hit-and-run claims, such as requiring physical contact with another vehicle. At Dormer Harpring, we help motorcycle accident victims in Colorado secure the compensation they deserve.

What is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is an auto insurance policy that may compensate you if an at-fault driver does not have insurance or if you are involved in a hit-and-run accident. Since some motorists fail to carry the required liability insurance, this coverage provides financial protection when another party cannot pay for damages. In many cases, motorcycle riders are at greater risk because they are more vulnerable in accidents involving uninsured or hit-and-run drivers.

UM coverage typically includes:

• Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost wages, and pain and suffering.
• Uninsured Motorist Property Damage (UMPD): Pays for damage to your motorcycle if the at-fault driver is uninsured or unidentified.
• Additional expenses: Some policies may also cover rehabilitation costs and long-term disability care.

Should You Consider Uninsured Motorist Coverage?

Many motorcyclists believe they are fully covered by standard insurance. Still, without UM protection, you may be left paying for medical bills and repairs out of pocket if an uninsured driver causes an accident. Considering the high cost of motorcycle injuries, UM insurance could be a crucial safeguard. Motorcycle riders face a disproportionate risk of severe injuries, making UM coverage even more critical for those who ride frequently.

In which states is uninsured/underinsured motorist coverage required?

Some states mandate UM/UIM insurance, while others leave it optional. In Colorado, insurers must offer uninsured motorist coverage, but policyholders may reject it in writing. However, considering the number of uninsured drivers on the road, it is advisable to carry this coverage. In states requiring UM coverage, the policy limits vary, and riders should verify their minimum coverage levels.

States that require UM/UIM coverage include:

• Connecticut
• New York
• Illinois
• Missouri
• West Virginia
• More states may require this coverage due to increasing uninsured motorist rates.

Uninsured Motorist Insurance Coverage Explained

UM insurance may cover financial losses resulting from accidents with uninsured or underinsured drivers and hit-and-run incidents. Coverage can include:

• Medical bills: Hospitalization, rehabilitation, and ongoing care expenses.
• Lost wages: Compensation for time missed at work due to injuries.
• Property damage: If your policy includes UMPD, your motorcycle repair or replacement costs may be covered.
• Pain and suffering: Some policies compensate for non-economic damages.
• Legal fees: If you need to pursue a claim against an uninsured driver, some policies may help with legal costs.

Does Uninsured Motorist Insurance Cover Hit-and-Run Accidents?

Depending on your policy, uninsured motorist coverage may apply to hit-and-run accidents. Since a hit-and-run driver is legally considered uninsured, UM insurance can cover medical costs and, if included, property damage. However, some policies may require proof of impact, meaning minor hit-and-run accidents without physical contact may not be covered.

Colorado law recognizes hit-and-run victims under UM coverage, but policy specifics vary. Riders should review their policies carefully to ensure adequate protection. 

Uninsured Motorist Property Damage vs. Collision Coverage

Many policyholders confuse Uninsured Motorist Property Damage (UMPD) with Collision Coverage. While both help repair or replace your motorcycle, they serve different purposes:

• UMPD may pay for damage caused by an uninsured or hit-and-run driver.
• Collision coverage applies regardless of fault, covering damages after any accident.
• Deductibles and coverage limits vary, so reviewing both options is essential.

Since Colorado does not require UMPD, many riders rely on collision coverage. However, including both in your policy may provide broader financial protection.

Do I need uninsured motorist bodily injury coverage if I have health insurance?

Even with health insurance, UM bodily injury coverage may still be beneficial. Health insurance policies often have high deductibles and may not cover all accident-related expenses, such as lost wages or long-term care.

UM coverage could provide additional compensation for:

• Out-of-pocket medical costs
• Pain and suffering damages
• Extended rehabilitation or specialized care
• Long-term disability expenses that health insurance may not cover

For motorcycle riders, UM coverage may help cover financial gaps that health insurance alone cannot address.

How Much Uninsured Motorist Coverage Should You Carry?

The right amount of UM coverage depends on several factors, including medical costs, potential lost income, and motorcycle value. Colorado law does not require minimum UM coverage, but insurers must offer at least $25,000 per person and $50,000 per accident.

Riders may consider higher limits to ensure adequate protection, especially given the high costs of motorcycle injuries. Many insurance experts recommend coverage of $100,000 per person and $300,000 per accident for better financial security. Higher UM limits may provide crucial financial relief in cases of catastrophic injuries.

Steps to Acquire UM/UIM Coverage

Motorcycle riders in Colorado can obtain uninsured motorist coverage by:

• Reviewing their current policy to see if UM/UIM protection is included.

• Consulting an insurance agent to discuss additional coverage options.

• Ensuring policy limits provide adequate financial protection.

• Considering umbrella policies for extended protection beyond standard limits.

• Comparing different insurance providers to find the most comprehensive and cost-effective coverage.

• Understanding how UM/UIM claims work and what documentation may be required in case of an accident.

Since motorcycle accidents can result in severe injuries, having sufficient UM/UIM coverage could make a significant difference in your recovery. Taking proactive steps to secure proper coverage ensures financial protection during an unexpected collision.

Let Dormer Harpring Assist You

Do uninsured motorists cover hit-and-run incidents? Discover how Dormer Harpring’s experienced motorcycle accident attorneys can help you navigate the complexities of UM/UIM claims and pursue the compensation you deserve following a motorcycle accident. Call today at (303) 747-4404 to schedule a consultation. 

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